Because you misuse the word joke, as I’ve explained twice.
Another reason why it’s irrational is that you don’t accept jokes only on these 3 topics. So you’re not okay with “transphobic, homophobic, and racist jokes”, but you would be okay with a joke including someone who dies, or has a serious illness for example? If I were offended like you are with racist jokes I would say something like “wow I can’t stand with people who make jokes of people dying, that’s not funny at all”.
Either you’re okay with any joke, or none, or then you’re being hypocrite.
So jokes are making environment unsafe? Again, check the definition of the word “joke”, it’s used to provoke laughter and/or amuse people and doesn’t have to be taken seriously.
Did I tell you to check the definition of “joke” already?
By “misunderstanding them”, do you mean taking into account their actual biological sex, including all of their body’s cells? Doesn’t sound like misunderstanding to me.